Zwierzycki v. Metropolitan Life Insurance

45 N.E.2d 76, 316 Ill. App. 345, 1942 Ill. App. LEXIS 745
CourtAppellate Court of Illinois
DecidedNovember 17, 1942
DocketGen. No. 42,005
StatusPublished
Cited by5 cases

This text of 45 N.E.2d 76 (Zwierzycki v. Metropolitan Life Insurance) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Zwierzycki v. Metropolitan Life Insurance, 45 N.E.2d 76, 316 Ill. App. 345, 1942 Ill. App. LEXIS 745 (Ill. Ct. App. 1942).

Opinion

Me. Justice Friend

delivered the opinion of the court.

Plaintiff, as beneficiary of two life insurance policies issued by the Metropolitan Life Insurance Company, brought suit to recover $1,000 under a double indemnity clause in the policies which provided that “Upon receipt of due proof that the death of the Insured resulted, independently of all other causes, from bodily injuries caused solely by external, violent, and accidental means, the Company will pay, as an additional death benefit, an amount equal to the amount payable under the Schedule, . . . The additional benefit shall not be payable if the Insured’s death . . . (e) is the result of participation in an assault or felony.” Defendant admitted the issuance of the policies and the death of the insured, denied that he came to his death from injuries sustained solely through external, violent and accidental means, averred that insured had met his death at the hands of a police officer in Chicago, which was held by the coroner’s jury to be justifiable homicide, averred that under the terms and provisions of the policies the accidental death benefit was not payable, and denied that it was indebted to plaintiff.

The case has been twice tried before juries and in both instances verdicts were returned in favor of plaintiff, assessing her damages at $1,000. On the first trial defendant’s motion for a new trial was allowed. At the conclusion of the second hearing and after the jury had returned its verdict, defendant moved for a new trial, but before the court passed on that motion defendant also moved for the entry of a judgment in its favor notwithstanding the verdict, which the trial court granted. The motion for a new trial was never disposed of and judgment was entered in favor of defendant, from which this appeal is taken.

The principal question involved is whether plaintiff was entitled to the accidental death benefit provided for in the policies. The case presents unusual circumstances. Harold J. Fuhry, who at the time of the incident had been an officer on the police force in Chicago for about four years, finished his official duties at four o’clock in the afternoon of May 24,1939, went home, changed to civilian clothes, called for a woman companion, and in the course of the evening parked his car among the weeds in a vacant lot near 45th street and Kildare avenue. The identity of the woman was undisclosed and the court sustained objections to interrogatories of plaintiff’s counsel as to whether Fuhry was married and whether the companion was Fuhry’s wife. Fuhry testified that he and his companion had been listening to a radio program, that shortly before midnight he had turned off the radio and while placing it in the back seat of his car he saw a man with a gun in his hand approach the car from out of the weeds on the right. The windows of Fuhry’s car were open only about two and one-half inches on each side. He says that the man came up to the car and said “stick them up,” at the same time projecting a pistol through the small opening in the window. He could not get his hand inside as the window was not sufficiently open for that purpose. Thereupon Fuhry grabbed his own pistol from the back seat cover and shot twice through the window, one shot hitting the insured in the left hand and the other shot striking him in the jaw and ricocheting down into his shoulder on the left side. The insured fell to the ground, and, according to Fuhry, he found the gun alongside the injured man, placed it in his (Fuhry’s) pocket, lifted insured from the ground and walked with him some two blocks through the vacant lots, to an A & P bakery at 47th street and Kildare avenue. There was a watchman at the bakery who, at Fuhry’s command, guarded insured while Fuhry called the police, who upon arrival removed insured to the Bride-well hospital, where he died five days later. A certified copy of the death certificate indicates that insured was shot by a police officer and contains a finding by the coroner’s jury that it was justifiable homicide.

Plaintiff’s counsel comment on the unusual circumstances under which Fuhry required insured, who was mortally wounded, to walk two blocks to the A & P bakery. It would have been far more humane, and probably in accordance with the usual police practice, to either call a police ambulance to the scene of the shooting or to have removed insured in Fuhry’s automobile to a hospital, where he could have been treated without undergoing unnecessary exertion and delay. It is a fair inference that Fuhry chose the means employed because he sought to protect the identity of his companion and also because he did not want to expose himself to the suspicion of fellow officers of having shot a man while parked at midnight in an empty lot under the circumstances disclosed by the evidence.

Plaintiff sought to show that while waiting for the police ambulance at the A & P bakery insured asked Fuhry, “Why did you do that, I wanted to ask you a question.” It is urged that this testimony tended to rebut Fuhry’s story and was admissible as part of the res gestae, but the court sustained defendant’s objection to the offer. However, later in the proceeding evidence of this conversation was elicited from the watchman and another employee who was also present when insured was brought into the bakery. Fuhry had previously testified that he had no conversation with insured that he recalled, notwithstanding the testimony of both disinterested witnesses that a conversation had taken place.

Insured was a middle-aged man, married for 20 years, and the father of four children. He had been employed by the Chicago Metal Manufacturing Company for about ten years. George F. Hauf, president and general manager of the corporation, testified that he had made frequent surveys of his employees affording him an opportunity to observe their habits and character. He said that insured was a capable workman employed as a welder, that he got along well with his fellow employees, worked steadily, and that his services were always satisfactory. William Gauweiler, secretary and treasurer of the corporation, said that he knew insured and testified from company records that he had been steadily employed for about ten years and up to the date of this occurrence, that he normally worked 46% hours a week and had worked 38 hours during the preceding week. Jack Novak, another witness, said that he was the factory superintendent, knew insured and had opportunity to observe him frequently, that he had worked directly under Novak’s supervision for eight or nine years, was an industrious employee and a very fine workman. While insured was lying critically ill at the Bridewell hospital, his wife and four children called there day and night but were never permitted to see or visit him.

Upon this state of facts the jury returned a verdict in favor of plaintiff for $1,000. Defendant’s principal contention is that the uncontradicted evidence shows that insured was shot while attempting a holdup and that his injuries and death were not the result of accidental means, and it is argued that there was no legal evidence to support the verdict and therefore no error was committed by the trial court in entering judgment for defendant notwithstanding the verdict. The gravamen of the argument is that, according to Fuhry’s testimony, insured was shot as the result of participating in an assault or felony, that this evidence was uncontradicted, and there was no competent evidence supporting the verdict of the jury finding the issues for plaintiff.

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Bluebook (online)
45 N.E.2d 76, 316 Ill. App. 345, 1942 Ill. App. LEXIS 745, Counsel Stack Legal Research, https://law.counselstack.com/opinion/zwierzycki-v-metropolitan-life-insurance-illappct-1942.